Linked Questions

12
votes
3answers
4k views

Can I afford to take this job's high-deductible health care plan?

I don't have the job offer yet, but one of the jobs I'm looking at would offer me only a high-deductible health insurance plan with an HSA (I don't knw what the deductible is exactly yet). However, ...
5
votes
5answers
3k views

Is this HSA too good to be true?

I am grandfathered into this PPO plan which we have one more year before they get rid of it. I think the HSA plan is better now for me but wanted to check. Is this HSA plan better for me? If I ...
2
votes
2answers
2k views

Choosing between an HSA and PPO

I need to choose between a PPO and HSA plan offered by my employer and it seems like the "obvious" choice is the HSA plan but I fear that I am missing something that will come back to bit me later. ...
2
votes
4answers
125 views

Does the benefit of a HDHP with an HSA disappear if the premium is the same as a PPO plan

I'm comparing a couple of different health insurance plans as part of open enrollment at work. Based on answers to some other questions as well as my own analysis, high-deductible plans with an HSA ...
5
votes
2answers
125 views

HSA eligibility when with employer plans

My employer offers two health plans: PPO with optional FSA HDHP (high deductible health plan) with an HSA option. The plans have identical coverage, the difference is in the premiums, deductibles, ...
2
votes
2answers
625 views

Why would anyone choose this PPO over PPO HSA?

The health insurance plan below has the following fees for an employee only coverage (excluding spouse + children plans to keep it simple): PPO 250: $605/mo ($7260/yr) PPO 2250 HSA: $351/mo ($4212/yr)...
4
votes
1answer
196 views

Should I pick a company paid premium or company paid deductible health insurance plan?

I am switching companies in a month. Here is my current health insurance and here are my two options for when I switch (Note that I have a wife and infant child): Current: Shared premiums at $310 ...
2
votes
1answer
107 views

ACA and HSA question - seems HSA policies are a lot more expensive in premium and out of pocket

I am looking at ACA coverages in CT. The HSA policies cost a couple hundred more per year (family of 4) and I pay 100% of all costs not excluded by the ACA until the full deductible is reached, then ...
3
votes
1answer
73 views

Choosing between Tradtional PPO and HDHP with high prescription cost

I have been on some variety of HDHP most years since about 2005. The math has almost always been a no-brainer, particularly at my last place of employment. However, I started with a new employer in ...